| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMDY INSURANCE SERVICES3 | 315 MONTGOMERY ST, STE 900 SAN FRANCISCO, CA 94104 | SUN LIFE ASSURANCE CO OF CANADA | $119K | — | $119K | 10.20% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE #1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | $319 | $2K | 12.22% |
| PROPEL INSURANCE3 | 1201 PACIFIC AVE #1000 TACOMA, WA 98402 | UNITED OF OMAHA LIFE INSURANCE CO | $163 | $24 | $187 | 17.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS INC EIN 91-0680697 NONE | Direct payment from the plan; Investment management; Contract Administrator Service code 13 | — | $371K |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $176K |
| AON CONSULTING EIN 22-2232264 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $43K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 NONE | Other services; Direct payment from the plan; Insurance services Service code 23 | — | $39K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers; Insurance services Service code 22 | — | $21K |
| MCKENZIE ROTHWELL BARLOW & COUGHRAN EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $16K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Direct payment from the plan; Other services Service code 49 | — | $13K |
| HEALTHCARE ACTUARIES EIN 20-5718833 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $6K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 953 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 103 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,056 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA | 125 | $608K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 92 | $14K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE CO OF CANADA | 788 | $1.2M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 92 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.